Lenders
A detailed review of every lender we cover — regulated entity, RBI evidence, loan amount, tenure, APR and fees where published, plus registered office, customer care and grievance contact. Each card links to the full review on our site; the lender's own official site is one clearly-marked secondary link on that page.
Banks20 lenders
AU Small Finance Bank—
AU Small Finance Bank Limited
Rates not yet published
Axis Bank✓
Axis Bank Limited
Up to ₹50 Lakh · Starting @ 9.99% p.a.
Bandhan Bank✓
Bandhan Bank Limited
₹50,000 – ₹25,00,000 · Flexible repayment tenure – up to 60 months · Rates & Charges page (July 2026) states floating rates '8.55% – 13.52%'. The personal-loan landing page separately advertises 'from 9.50% p.a.' (up to 3 years) and '8.86% p.a.' (more than 3 years), effective 01 Aug 2026. Both figures reported as-is; not reconciled.
Bank of Baroda—
Bank of Baroda
Rates not yet published
Canara Bank✓
Canara Bank
9.70% to 14.70% p.a. for the 'Canara Budget' personal loan scheme, effective from 12.12.2025 (mean rate shown as 11.86%)
Central Bank of India✓
Central Bank of India
Cent Personal Loan Scheme: maximum ₹20 lakh (minimum not stated). · 84 EMIs (in multiples of 12)
Federal Bank—
The Federal Bank Limited
Rates not yet published
HDFC Bank✓
HDFC Bank Limited
Up to ₹50 Lakh · Starting at 9.99% p.a.
ICICI Bank✓
ICICI Bank Ltd.
₹50,000 up to ₹50,00,000 · 12 months to 72 months · Starting at 9.99%* p.a.
IDBI Bank✓
IDBI Bank Limited
Minimum ₹50,000 / Maximum ₹5,00,000 · Minimum 13 months / Maximum 60 months · 11% to 14.75% p.a. (fixed rate)
IDFC FIRST Bank✓
IDFC FIRST Bank Limited
Up to ₹15 Lakh · Starting at 9.99% p.a.
Indian Bank✓
Indian Bank
Clean Personal Loan (salaried class): Category 1 up to 20× monthly gross salary, capped at ₹50 lakh; Category 2 up to 20× monthly gross salary, no cap stated. · Term loan: up to 84 months. Overdraft: 60 months (up to ₹5 lakh) or 84 months (above ₹5 lakh).
Indian Overseas Bank✓
Indian Overseas Bank
Category A: up to ₹30 lakh (25× gross monthly salary); Category B: up to ₹30 lakh (20×); Category C: up to ₹15 lakh (10×). · Maximum repayment period 84 months (7 years).
IndusInd Bank—
IndusInd Bank Limited
"Personal Loan Interest Rates Starting @10.49 p.a."
Kotak Mahindra Bank✓
Kotak Mahindra Bank Limited
Up to ₹1 crore · 1 to 6 years · Starting at 10.99% p.a. (fixed rate)
Punjab National Bank✓
Punjab National Bank
Up to ₹50 Lakh (headline claim; no minimum stated)
State Bank of India✓
State Bank of India
Minimum ₹1 lakh, up to ₹50 lakhs · Minimum 6 months, maximum 84 months · Starting from 10.00%* p.a. (rate table effective w.e.f. 01.04.2026)
Ujjivan Small Finance Bank✓
Ujjivan Small Finance Bank Limited
Not applicable — the bank's loan pages do not list a standalone unsecured personal loan product; only secured/purpose-specific loans are offered (Two Wheeler, Gold, Home, Vehicle, Agricultural, Individual/Micro loans). · Not applicable — see amount field note. · Not applicable — see amount field note.
Union Bank of India—
Union Bank of India
Rates not yet published
YES Bank—
YES Bank Limited
Rates not yet published
NBFCs15 lenders
Aditya Birla Capital!
Aditya Birla Finance Limited
Minimum personal loan amount is about Rs 50,000, while the maximum is up to ₹50 lakhs. · Tenure 1 to 7 Years (per EMI calculator tool) · Indicative range of Rate of Interest: 10% p.a. to 28% p.a.; also stated: Personal Loan Starting at 10.99%* p.a.
Bajaj Finserv—
Bajaj Finance Limited
Rates not yet published
DMI Finance✓
DMI Finance Private Limited
Personal Loan up to ₹10,00,000 · 11.99% onwards
HDB Financial Services—
HDB Financial Services Limited
Rates not yet published
Hero FinCorp✓
Hero FinCorp Limited
₹50,000 to ₹7 lakh · 12 to 36 months · Starting from 18% p.a.; range stated as Min 18% Max 30%
Home Credit India✓
Home Credit India Finance Private Limited
₹10,000 to ₹4.8 Lakhs (₹4,80,000) · 12 to 60 months · 21% to 39.5%
IIFL Finance✓
IIFL Finance Limited
₹5,000 to ₹5,00,000 · 3 months to 42 months · 12.75%–44% p.a. per main text; a separate rates section lists '12%–28% (Fixed)' — figures conflict.
L&T Finance✓
L&T Finance Limited
Up to ₹30 Lakh · 12 to 72 months · Starting from 10.50% p.a.
Mahindra Finance—
Mahindra & Mahindra Financial Services Limited
Rates not yet published
Muthoot Finance—
Muthoot Finance Limited
Rates not yet published
Navi—
Navi Finserv Limited
Rates not yet published
Poonawalla Fincorp✓
Poonawalla Fincorp Limited
₹1 Lakh to ₹50 Lakh · 12–84 months · Starting at 9.99% p.a.
Shriram Finance✓
Shriram Finance Limited
Up to ₹10,00,000 · 12 to 60 months · Starting at 11%* p.a.
SMFG India Credit—
SMFG India Credit Company Limited
Rates not yet published
Tata Capital—
Tata Capital Limited
Rates not yet published
Digital lending apps23 lenders
Airtel Finance✓
Marketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money Limited
Personal Loan (Flexi Credit): marketed 'up to ₹1000000 Instant Loan' (site also references up to ₹9-10 lakh range) · 'Interest @ 12.75% p.a.' shown as a starting/from rate; actual rate varies by matched partner lender
Branch✓
Branch International Financial Services Private Limited
Rates not yet published
CASHe✓
Bhanix Finance and Investment Limited
₹15,000 to ₹3,00,000 · 3 to 18 months
Dhani✓
Dhani Loans and Services Limited
Rates not yet published
Fibe✓
Multi-lender marketplace — 13 named partner NBFCs including EarlySalary Service Private Limited (Fibe's own group NBFC, formerly Ashish Securities Private Limited), KrazyBee Services, Northern Arc Capital, Incred Financial Services, HDB Financial Services, Vivriti Capital, Kisetsu Saison Finance (India), Piramal Finance, Tata Capital, Cholamandalam Investment & Finance, Oxyzo Financial Services, Mirae Asset Financial Services (India), SMFG India Credit
Up to ₹10,00,000, described as instant and collateral-free
Finnable✓
Finnable Technologies Private Limited (platform operator) — loans routed via Finnable Credit Private Limited (own NBFC arm) and partner NBFCs/banks
Up to ₹10 lakhs; EMIs cited 'as low as ₹3,000'
Kissht✓
Si Creva Capital Services Private Limited
Up to ₹5,00,000 · 6 to 60 months · Starting from 1% per month
KreditBee✓
KrazyBee Services Limited
₹6,000 to ₹10,00,000 · 6 to 60 months
LazyPay✓
PayU Finance India Private Limited
Rates not yet published
LoanTap✓
LoanTap Credit Products Private Limited (LoanTap's own NBFC arm) plus 30+ additional partner NBFCs/banks
Personal loans: up to ₹10 lakhs. Business/MSME loans: up to ₹10 lakhs. E-Bike loans: ₹20,000–₹2,00,000. · Personal loans: up to 60 months. Business loans: up to 36 months.
Money View✓
Multi-lender marketplace — 15+ named partner NBFCs/banks (e.g. Clix Capital, DMI Finance, Northern Arc, SMFG India Credit, Piramal Finance, Vivriti Capital, Aditya Birla Capital, Credit Saison, Cholamandalam Investment & Finance, Oxyzo, South Indian Bank, PayU Finance, Wizdm Finance, BharatPe, Grow Money Capital)
₹5,000 to ₹10,00,000 · 3 to 60 months (5 years) · Starting from 1.16% per month (14% annually*)
MoneyTap!
App brand — loans via partner NBFCs
₹500 to ₹5 lakh · 3 to 36 months
mPokket✓
mPokket Financial Services Private Limited
Loans / credit limit up to ₹2,00,000
Nira✓
Marketplace — loans via named partner NBFCs/lenders: Northern Arc, Niyogin, KIFPL, Trillion Loans, Avanti Finance, PayU; app operated by Shuhari Tech Ventures Pvt Ltd
Loans up to ₹1 lakh · Up to 12 months · "As low as 2% per month"
Olyv (formerly SmartCoin)!
App brand — loans via unnamed RBI-registered lender partners (SmartCoin Fin. Pvt. Ltd. is the entity behind the app itself)
Up to ₹5,00,000 · Interest rate starting @ 1.5% per month
PaySense!
App brand — loans via partner NBFC
Rates not yet published
Paytm!
Platform — loans via partner lenders
₹5,000 to ₹15,00,000 · 3 to 84 months (FAQ elsewhere cites 3–60 months) · Starting from 9% p.a. (reducing balance); EMI calculator cites a range of 10.99%–36%
Prefr✓
Marketplace — loans via named partner NBFCs: Aditya Birla Finance Limited, Poonawalla Fincorp Limited, SMFG India Credit Company Limited, MAS Financial Services Limited, and Kissht; platform operated by Dreamplug Technologies Pvt Ltd
Rates not yet published
RapidRupee!
App brand — loans via partner NBFC
Rates not yet published
Stashfin✓
Akara Capital Advisors Private Limited
Up to ₹5,00,000 · 3–48 months · "0% for up to 30 days. 0%–39% rates applicable after the interest-free period"; APR range separately cited as 10%–45%
True Balance✓
True Credits Private Limited (NBFC)
₹5,000 – ₹2,00,000 (disbursal amount) · 6 – 24 months · Interest starting from 2.4% per month
TrustPaisa✓
Thanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd (named RBI-registered NBFC lending partners); platform operated by Flexidigital Tech India Pvt Ltd
₹3,000 – ₹45,000 · 91 – 365 days · Up to 36% p.a.
Zype✓
Respo Financial Capital Private Limited
Up to ₹5 lakh · 6 to 36 months · 18% to 34% per annum, depending on borrower profile